Brad Wagner is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career with Merrill in 1996, he has focused on helping clients achieve and maintain financial well-being by providing clarity, simplicity, and partnership in managing their financial lives. Brad’s approach emphasizes understanding clients' values, goals, and life circumstances to create tailored strategies that support smarter financial decisions and better outcomes. Brad’s expertise encompasses a wide range of client focus areas including college education planning, executive compensation, family wealth management strategies, liquidity management, retirement planning, portfolio management, and addressing the unique needs of women and wealth. He integrates his knowledge as a Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER™ (CFP), Certified 401(k) Professional (CKP), and Certified Plan Fiduciary Advisor (CPFA) to serve clients with comprehensive and evolving financial plans. He earned his bachelor's degree from the Kelley School of Business at Indiana University and holds a high school diploma from St. Viator. Brad is engaged in community organizations such as Junior Achievement, Saratoga Arts, and The Leukemia & Lymphoma Society. Outside of work, he enjoys hiking, reading, traveling, and spending time with his wife and three children.

Thomas Niles is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Janney Montgomery Scott for 10 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research to provide both discretionary and non-discretionary management services.

Stephen Bronder is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Equitable Advisors since 2011 and was previously with Axa Advisors LLC from 2011 to 2020. Outside of his advisory role, Bronder is a partner at HMS Agency P&C Insurance in Albany, NY. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes a variety of advisory models and offers ERISA fiduciary services to qualified plans, with a focus on third-party program sponsors and endorsed advisory platforms.

David Fragomeni is a CFP® with 25 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Securities America Advisors and Securities America, Inc. for 12 years. Fragomeni is the owner of Fragomeni Insurance & Financial Services, Inc., and serves as the treasurer and a board member of the Saratoga Center for the Family, a local nonprofit organization. OSAIC provides a broad range of financial services to retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and multiple platforms to construct diversified portfolios across various asset classes.

Maureen Parker is a financial advisor at Charles Schwab with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Charles Schwab since 2016. Her prior experience includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of advisory work, she serves on the marketing committee for fundraising events at the Saratoga Performing Arts Center. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Richard Martino is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Prior to joining LPL in 2021, he worked at Goldman Sachs & Co. LLC and spent over two decades at The Ayco Company, L.P./Mercer Allied. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement consulting, utilizing discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Sean Richardson is a financial advisor with Equitable Advisors, holding a Series 66 designation and eight years of industry experience. He has been with Equitable Advisors since 2018, including two years when the firm operated as AXA Advisors. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, focusing on matching clients to appropriate advisory models or discretionary managers through both proprietary and third-party platforms.

Julia Mccurdy is a financial advisor at Morgan Stanley with 26 years of industry experience and holds Series 63 and Series 65 designations. She has worked at Morgan Stanley and its predecessor firms since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeled outcomes. The firm manages approximately $2.74 trillion in client assets and operates with a broad suite of retail and institutional investment services.

Angela Aruanna is a Series 66-licensed financial advisor with Equitable Advisors, based in Malta, NY, and has three years of industry experience. Prior to joining Equitable Advisors in 2023, her work history includes roles at the University at Albany and Small Enterprise Assistance Funds. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs to implement client solutions.

Valerie Mosher is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. Her career includes roles at several financial firms such as Fisher Investments, Allstate Financial, and Champion Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Zachary Zaloga is a financial advisor with Morgan Stanley in Saratoga Springs, NY, holding a Series 66 designation and possessing 10 years of industry experience. He has worked with Morgan Stanley and its Private Bank division since 2015 and 2016, respectively. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning services supported by structured tools and advanced modeling techniques, managing approximately $2.74 trillion in client assets.

Todd Macejka is a CFP® professional with 28 years of experience in financial advising. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and Aurora Wealth Advisory, where he serves as CEO and President. His prior experience includes roles at Cantella & Co., Inc. and The Ayco Company/Mercer Allied Company, L.P. Macejka is a partner at Aurora Tax Advisory and serves as a member at large on the Oak Ridge Homeowners Association board. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and institutional clients, offering tailored non-discretionary services that utilize risk profiling and analytical modeling to support client objectives. The firm supports a large advisor network and maintains specialized offerings in municipal advising and employer SIMPLE IRA programs.

Jay Matthews is a financial advisor at Edward Jones with 28 years of industry experience. He has held positions at Edward Jones since 2019, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Ely is a financial advisor with LPL Financial based in Saratoga Springs, NY. He holds Series 63 and Series 66 credentials and has 13 years of industry experience. His prior roles include positions at Key Investment Services LLC, KeyBank, and State Farm VP Management Corp. Ely is also a notary affiliated with NBT Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and technology-driven strategies.

Gregory Hollander is a financial advisor with Raymond James Financial Services Advisors Inc., holding a Series 66 designation and 14 years of industry experience. He has been with Raymond James since 2012 and also maintains a concurrent role at High Point Trading since 2014. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Nathan Phang is a financial advisor at Equitable Advisors with a Series 66 designation. He has one year of industry experience, including prior roles at Adelvia and TAG Solutions. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes a range of advisory models implemented by third-party sponsors and emphasizes matching clients to appropriate investment strategies without advertising hypothetical performance.

Warren O'Connor is a financial advisor at Edward Jones in Saratoga Springs, NY, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory work, he is associated with a family farm in Chateaugay, NY. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

William Jackowski Jr. is a financial advisor at Raymond James & Associates with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2015. He also serves as a trustee for the Jackowski Family Trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing roughly $501 billion in assets. The firm serves diverse clients including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Daniel Tidd is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves as an administrator or executor of estates and trustee of trusts for family and non-family members. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory models delivered through Investment Adviser Representatives and third-party managers, offering a variety of investment products including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Colleen Hamel is a financial advisor with LPL Financial in Saratoga Springs, NY, holding a Series 63 designation and 23 years of industry experience. She has worked at LPL Financial since 2011 and has prior experience with Uvest Investment Services and Glens Falls National/Saratoga National Bank. Outside of advisory work, she is also affiliated with Mass Mutual Albany and serves in investment-related roles at Saratoga National Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.